BlastPoint's Banking Scorecard
Union Bank & Trust Company
Micro
Specialty: Mortgage
TN
FDIC cert 9179
Designations: ✓ Community bank
Livingston, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Union Bank & Trust Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.89% above tier
- + Net Interest Margin 1.71% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.87% above tier
- - Nonperforming Asset Ratio 1.65% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$95.6M
+0.9% YoY
+1.2% QoQ
|
-$121.9M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$68.7M
+8.2% YoY
+0.9% QoQ
|
-$70.5M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$81.5M
-0.9% YoY
+0.3% QoQ
|
-$102.2M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
1.98%
+11.5% YoY
+15.9% QoQ
|
+0.89% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
5.57%
+11.1% YoY
+0.6% QoQ
|
+1.71% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
58.05%
-3.2% YoY
+2.0% QoQ
|
-9.67% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
2.51%
+234.5% YoY
+280.4% QoQ
|
+1.87% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
84.35%
+9.2% YoY
+0.5% QoQ
|
+9.82% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
30.10%
+4.7% YoY
-5.3% QoQ
|
+7.71% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
2.10%
+318.0% YoY
+170.9% QoQ
|
+1.65% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.27%
-9.3% YoY
+25.8% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 10%
in Micro
Why this stands out
Current:
1.98%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.57%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.51%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.10%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Net Interest Margin
Current: 5.57% · Tier avg: 3.85%
90
90th pctile
Return on Assets
Current: 1.98% · Tier avg: 1.08%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 30.10% · Tier avg: 22.39%
72
72th pctile
Efficiency Ratio
Current: 58.05% · Tier avg: 67.73%
66
66th pctile
Loan-to-Deposit Ratio
Current: 84.35% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
28
28th pctile
Total Loans
Current: $68.7M · Tier avg: $139.2M
22
22th pctile
Total Deposits
Current: $81.5M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $95.6M · Tier avg: $217.5M
9
9th pctile
Delinquency Rate
Current: 2.51% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.10% · Tier avg: 0.45%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 2.10% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.51% · Tier avg: 0.64%
21
21th pctile
Total Assets
Current: $95.6M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $81.5M · Tier avg: $183.7M
28
28th pctile
Total Loans
Current: $68.7M · Tier avg: $139.2M
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Loan-to-Deposit Ratio
Current: 84.35% · Tier avg: 74.53%
72
72th pctile
Efficiency Ratio
Current: 58.05% · Tier avg: 67.73%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 30.10% · Tier avg: 22.39%
90
90th pctile
Return on Assets
Current: 1.98% · Tier avg: 1.08%
96
96th pctile
Net Interest Margin
Current: 5.57% · Tier avg: 3.85%